National Bank of St. Anne

Headquarters

158 West Station Street
St. Anne, IL 60964
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.15% 1.05% →
1-Year CD 0.50% 1.05% →
2-Year CD 0.55% 1.11% →
5-Year CD 0.75% 1.56% →
30-Year Mortgage N.A. 3.09% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.77% →

2020 Overview

General Bank Information

National Bank of St. Anne is an FDIC insured institution located in St. Anne, IL. It was founded in 1948 and has approximately $0.08 billion in assets.

FDIC Insured Yes
FDIC Certificate # 16752
Date Established 1948
Assets $ 82.17 million
Loans $ 58.55 million
Deposits $ 71.86 million
Capital $ 9.56 million
 

For a more detailed analysis of National Bank of St. Anne's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - August 9, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Savings
0.15% $2,500 $4,999 Learn More
CD Rates APY MIN MAX
6 Mo CD
0.30% $10,000 $14,999 Learn More
6 Mo CD
0.30% $100,000 $199,999 Learn More
12 Mo CD
0.50% $10,000 $14,999 Learn More
12 Mo CD
0.50% $100,000 $199,999 Learn More
Special: 18 Mo CD
0.65% $25,000 - Learn More
24 Mo CD
0.55% $10,000 $14,999 Learn More
24 Mo CD
0.55% $100,000 $199,999 Learn More
36 Mo CD
0.60% $10,000 $14,999 Learn More
36 Mo CD
0.60% $100,000 $199,999 Learn More
48 Mo CD
0.75% $10,000 $14,999 Learn More
48 Mo CD
0.75% $100,000 $199,999 Learn More
60 Mo CD
0.75% $10,000 $14,999 Learn More
60 Mo CD
0.75% $100,000 $199,999 Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.10% $2,500 $3,499 Learn MoreShow Less

Loan Rates - August 9, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for National Bank of St. Anne

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Virginia 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
3.746% 3.625% 1.00 $3,750 $1,141 Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
2.914% 2.875% 0.50 $1,250 $1,038 Learn More
Rocket Mortgage
NMLS ID: 3030
3.494% 3.375% 1.00 $3,750 $1,106 Learn More
1Rate, Inc
NMLS ID: 1948084
License#: MC-7051
2.758% 2.690% 0.88 $2,244 $1,013 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
2.990 %
$0 Learn More
More Info
PenFed Credit Union
PenFed Credit Union
3.750 %
$0 Learn More
More Info

Note to National Bank of St. Anne
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Branches

National Bank of St. Anne branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


National Bank of St. Anne Locations


Financial Details

National Bank of St. Anne Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of National Bank of St. Anne. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
National Bank of St. Anne U.S. Bank Average
3.06% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2020, National Bank of St. Anne had $313,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $9,564,000 in equity and $657,000 in loans loss reserves. That gives it a Texas Ratio of 3.06%.

Return on Equity
National Bank of St. Anne U.S. Bank Average
4.69% 7.80%

National Bank of St. Anne has a Return on Equity of 4.69% versus the BestCashCow average of 7.80%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
National Bank of St. Anne U.S. Bank Average
11.64% 12.68%

National Bank of St. Anne has a Capitalization of 11.64% versus the BestCashCow average of 12.68. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

National Bank of St. Anne Balance Sheet Analysis

As of March 31, 2020, National Bank of St. Anne had assets of $82,169,000, loans of $58,549,000, and deposits of $71,856,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2020
ASSETS
Cash & Balances due from depository institutions $ 14.77 million
Interest-bearing balances $ 5.41 million
Total securities $ 2.69 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 58.55 million
Loan loss allowance $ 0.66 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 1.88 million
All other assets $ 1.73 million
     Total Assets $ 72.61 million
LIABILITIES
Total deposits $ 71.86 million
      Interest-bearing deposits $ 57.04 million
      Deposits held in domestic offices $ 71.86 million
      % insured (estimated) 91.11%
Federal funds purchased and repurchase agreements $ 0.20 million
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 0.55 million
      Total Liabilities $ 72.61 million
      Shareholders’ Equity $ 9.56 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 0.94 million
Total Interest Expense $ 0.20 million
Net interest income $ 0.74 million
Provision for loan and lease losses $ 0.08 million
Total non interest income $ 0.16 million
Total non interest expense $ 0.64 million
Pre-tax Net Operating Income $ 0.18 million

Bank Loan Profile?

The top three loan types in National Bank of St. Anne’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Farm Loans.

Compared to other banks in Illinois, National Bank of St. Anne has a significantly higher percent of Commercial Real Estate on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 18.78
Multifamily
Mortgages
0.25
Credit Card Loans 0.00
Consumer Auto Loans 2.17
Small Business Loans 0.00
Construction and Development Loans 1.12
Commercial Real Estate 36.11
Commercial and Industrial Loans 8.51
Farm Loans 9.98

Frequently Asked Questions About National Bank Of St. Anne

Branches and Savings

Is National Bank Of St. Anne FDIC insured?

Yes. It is covered under FDIC Certificate #16752.

Why does National Bank Of St. Anne pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are National Bank Of St. Anne CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is National Bank Of St. Anne a commercial bank?

Yes

Where are National Bank Of St. Anne locations?

See branch locations nearby.

Is National Bank Of St. Anne open on Saturdays?

Is National Bank Of St. Anne open on Sundays?

What time does National Bank Of St. Anne open?

What time does National Bank Of St. Anne close?

Are National Bank Of St. Anne ATMs Open 24/7?

Do National Bank Of St. Anne ATMs accept cash deposits?

Can National Bank Of St. Anne customers use other ATMs?

Do National Bank Of St. Anne branches have notaries?

Will National Bank Of St. Anne notarize my document?

What address for National Bank Of St. Anne should I put for incoming ACH transfers?

Will the National Bank Of St. Anne branch print checks?

Do National Bank Of St. Anne checks expire?

Does National Bank Of St. Anne require US citizenship to open account?

Can National Bank Of St. Anne close my account?

Does National Bank Of St. Anne Report to credit bureaus?

Does National Bank Of St. Anne Use Equifax?

What is National Bank Of St. Anne's ACH Routing Number?

What is National Bank Of St. Anne's SWIFT code?

Products

Does National Bank Of St. Anne offer mortgages?

Compare mortgage rates here.

Does National Bank Of St. Anne offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does National Bank Of St. Anne offer personal loans?

Compare personal loan rates here.

Does National Bank Of St. Anne offer student loans?

Will National Bank Of St. Anne cash a check?

Will National Bank Of St. Anne redeem a savings bond?

Does National Bank Of St. Anne cash savings bonds?

Will National Bank Of St. Anne cash money orders?

Can National Bank Of St. Anne issue a money order?

Does National Bank Of St. Anne do currency exchange?

Background on The Bank

Who owns National Bank Of St. Anne?

How long has National Bank Of St. Anne been around?

Can National Bank Of St. Anne transfer to other banks?

Does National Bank Of St. Anne have quick pay?

Does National Bank Of St. Anne accept rolled coins?

Will National Bank Of St. Anne accept loose change?

Where is National Bank Of St. Anne headquarters?

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